Basis Theory’s cover photo
Basis Theory

Basis Theory

Financial Services

Built to keep customers transacting.

About us

Basis Theory offers a fully programmable vault to create engaging commerce flows, connect with any partner, effortlessly manage compliance, and keep control of payments data. Standing at the intersection of technology and commerce, Basis Theory’s PCI Level 1, SOC2 type 2, and ISO 27001-compliant vault revolutionizes the way fintechs and merchants build their payment infrastructure by providing unparalleled flexibility and customization. This enables businesses to tailor their payment stacks to their unique needs. From emerging fintech startups to established merchants, Basis Theory provides the tools and support necessary for each to craft a payment stack that perfectly aligns with their business model.

Website
https://basistheory.com
Industry
Financial Services
Company size
51-200 employees
Headquarters
Global
Type
Privately Held
Founded
2020
Specialties
Data Security, Tokenization, PCI Compliance, HIPAA Compliance, GDPR Compliance, PII Protection, Data Privacy, Data Tokenization, Enterprise Solutions, Payments, Payment Orchestration, and Payments Operations

Locations

Employees at Basis Theory

Updates

  • 🙏 Kindred Ventures Thank you for helping us co-host last week's Agentic Commerce (un)Conference. The space, planning, and conversations were fantastic. 🦆 🤖

    View organization page for Kindred Ventures

    11,372 followers

    Last week we co-hosted the Agentic Commerce (un)Conference with Basis Theory: an evening designed as an open dialogue working session on what breaks and what works when agents become the buyer instead of the browser. Agents are increasingly likely to touch most transactions in the year ahead. The hard part is making that future safe, observable, and economically viable. Across all breakout discussions one pattern kept surfacing: agents are formally delegates, but practically they’re starting to behave like buyers. They spawn sub‑agents, open accounts, route funds, and sometimes push all the way through checkout, which forces uncomfortable questions about reliability, intent drift, and who really owns the risk when a bot goes off‑script. Trust and identity underpinned every conversation. Agent identity is quickly evolving from a mere passport to an authorization graph. Who spawned what, with which tools, under which policy? Folks explored ideas like “credit scores for agents,” evidence protocols that hash the full transaction lifecycle, and an “Okta for agents”‑style control plane to enforce delegated authority, spend caps, and approval thresholds with something stronger than vibes. The room largely agreed we’re still in a “human in the loop” phase: agents orchestrate workflows, humans approve above thresholds, and truly autonomous agent‑to‑agent flows are a couple of years out. Instead of asking “who owns the risk?”, the more useful question became “how do we compress risk enough that every party can say yes?” If merchants can trade low‑single‑digit exposure for meaningful margin upside, and networks can pre‑define remediation paths, agentic commerce starts to look like a new kind of card program rather than an unbounded science project. The biggest takeaway was about where value accrues. Most people expect agents to touch nearly every transaction within a few years – initiating or at least shaping the flow. But the emerging consensus was this: the biggest upside lies less in the underlying rails and more in the products that own discovery, negotiation, and orchestration. The agents that understand products, policies, and people well enough to turn “please handle this for me” into something both delightful and economically rational. Huge thank you to our co-hosts Colin Luce & James Armstead at Basis Theory and our session leaders and speakers for joining us and participating in this important conversation: Tanner Riche (Visa), Ash Tutika (Mastercard), Alec V. (Adyen), Brendan Ryan (Tempo), Dasmer S. (Allowance (YC P26), Ilan Zerbib (Sapiom), Cole Dermott (Locus), and Eric Zhang (Sponge (YC W26).

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  • Chargebacks aren't just a refund. They're a slow-moving threat to your entire payment stack. Most merchants treat them as an occasional inconvenience. A reversed transaction. A lost sale. Move on. But they compound. First, your PSP starts holding revenue as a reserve. Then other PSPs won't touch you. Then the card networks put you in a monitoring program, with fees and fines attached. Exceed a 1% chargeback ratio, and you can lose access to your processor entirely. And that 1% is based on transaction count, not value. High-volume, low-ticket merchants hit it faster than they think. The merchants who avoid this aren't just fighting chargebacks after the fact. They're building payment infrastructure that prevents them from happening. Basis Theory is built for merchants who want to get ahead of this. Get the plan — link in the first comment.

  • One PSP means one set of rates. Their rates. Their terms. Your bill. But companies routing across multiple PSPs with Basis Theory? They're sending each transaction to whichever processor charges least, automatically. Card network. Geography. Transaction type. Every variable optimized. Every time. That's 30% back in your pocket. Speak with Our Team and Unlock Savings: https://lnkd.in/gsVBXxJQ

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  • What if every failed payment had a second chance? Here's what many merchants don't realize: Every processor has downtime. Every processor has timeouts. Every processor has rate limits and declines that have nothing to do with whether the card is valid. And every one of those events is revenue you didn't have to lose. The lesson: a single processor isn't a payment strategy. It's a single point of failure with a rate card attached. The fix: connect multiple processors and orchestrate across them automatically. When one fails, route to the next. When one declines, retry with another. Test performance across processors. Optimize authorization rates by card type, region and transaction profile. Basis Theory makes it easy to orchestrate across processors and maximize payment success. More approvals. Fewer lost sales. Revenue that holds even when one processor doesn't. Start routing your payments: https://hubs.la/Q04pmwwV0 #Payments #PaymentsTech #PaymentInnovation

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  • View organization page for Basis Theory

    9,804 followers

    A card gets tokenized. Your fraud engine needs the issuing bank. Your router needs the card type. Your reporting layer needs the product code. Three systems. Three places that need BIN data. How many API calls does that take? With most setups: too many. 1 enrichment, no repeated lookups. Here are the details 👇👇 https://hubs.la/Q04lR13M0 #MerchantPayments #Vault #Tokenization

  • Payment Tokenization vs. Encryption Here's the distinction that changes how you think about payment security. Encryption scrambles data using a key. The original still exists; it just travels in protected form. Steal the key, and you're in. Tokenization replaces the data entirely. A randomly generated token with no mathematical relationship to the original card number. The lesson: encryption is a lock on a safe that still contains your data. Tokenization is a claim ticket to a safe you don't own or control. Even if someone steals the ticket, they can't open the safe. Build your security posture around not holding the data in the first place. Read the full breakdown: https://hubs.la/Q04mq-rm0

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